Shopping for financial products at Marks & Spencer Money UK website is just as simple as shopping for fashion or furniture at the Marks & Spencers online store. Here are just some of the financial products which can be purchased via the Marks & Spencer Money website:

• M&S Insurance: M&S Motor Insurance, M&S Buildings Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencer, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting Marks & Spencer Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the Marks & Spencer Money website.

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks & Spenser are so useful. Marks & Spencer Money financial products are, of course, designed to make Marks & Spencer a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Buildings Insurance policies. Usually, UK Buildings Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the Marks & Spencer Money Buildings Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for Marks & Spencer Money Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

There are lots of ways to save money using Marks & Spencer Money. Not least of these is Marks & Spensers Standard Motor Insurance. With Marks & Spencer Money you can keep the cost of your Motor Insurance down by choosing Standard cover, over Premier Cover. UK Vehicle can then be added to your policy as optional extras, if you wanted to.

If you're thinking of adding both Breakdown Cover and Motor Legal Protection, then it would cost less to upgrade to Premier Motor Insurance cover from Marks & Spencer Money, which also has other features.

Nonetheless, many features are standard to both the Premier and the Standard Motor Insurance policies on offer from Marks and Spencers, and these include: Courtesy car (subject to availability); Loss, theft, damage and destruction of vehicle; Loss or damage to personal property in vehicle; Personal accident cover up to £10,000; Windscreen cover (£75 excess); a 24 hour claims service, and many other options as standard on each policy. In short, with Motor Insurance from M&S Money, you get more, and you pay less.

Classic Collection Palm Print Top, at Marks & Spencer
Feminine and pretty, this floral print top will give your look an instant lift. It looks lovely worn with plain skirts or trousers in coordinating colours from the Classic collection

Disney's Hannah Montana My Superstar Secrets, at Marks & Spencer
Are you a secret singing sensation like Hannah Montana? Embrace your star destiny with this fabulous pack. Check out Hannah's secrets in the Hannah Montana superstar book. Listen to the red-hot CD and sing along to the tracks. Wear the backstage pass to secure your star-like status. Hang out with the rich and famous to collect signatures for your awesome autograph book

Lotus Flower Pot Pourri Bag, at Marks and Spenser
Floral scented assortment, Manufacturer: Marks & Spencer

8-Piece Dessert Knife & Fork Set, at Marks & Spencer
8 pieces 18/10 stainless steel 4 settings Criminal Justice Act 1988 (as amended): please note we are not permitted to sell a knife or blade to any person under the age of 18 This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Autograph Pleated Underwired Balcony Bra, at M&S
Glamorous and sophisticated this balcony bra features a delicate embroidered design. Stretch fabric and underwiring give a great fit and flattering uplifted shape. Beautiful exclusive lingerie

Pure Cotton Spot Print Trousers, at Marks & Spenser
Fashionable and practical, these spot print trousers feature flap patch pockets. Soft cotton fabric will keep babies feeling comfy

Short Sleeve Pintuck Front Bow Top, at Mark's & Spencer
This fashionable jersey top features a stylish bow and pintuck detail for a fresh modern look

Murphy's Contemporary Selection Reds & Whites - Case of 12, at Mark's & Spencer
1 Chateau Darzac Reserve 2008: A subtle, unoaked white wine from Bordeaux that is youthful and refreshing... 1 Castello d'Alba White 2008: A stylish, full-flavoured white from Portugal's Douro Valley. Traditional Portuguese varieties have been used to create a highly individual wine with layers of flavour that include red apple, wild herbs, toasted almonds and mixed spice... 2 Willowbank Semillon Chardonnay 2007: A refreshing and intensely fruity white that is perfect for everyday drinking... 2 Beau Moulin Blanc 2008: A bright and crisp, unoaked white wine from a blend of traditional grapes grown in the sunny vineyards of the Languedoc... 1 Domaine du Donjon des Dames, Plan de Dieu 2007: A full-bodied and densely textured red from the Southern Rhne which combines rich, plum fruit flavours with an attractive note of savoury spice... 1 Castello d'Alba Red 2007: Ripe and velvety, this is a lightly oaked Douro red that is beautifully crafted and offers superb value for money... 2 De Bortoli Willowbank Shiraz 2007: warm-fruited, creamy-textured Shiraz from Australia. This wine is all about soft, rounded flavours of cherry, mint and chocolate, together with a gently warming finish... 2 Beau Moulin Rouge 2008: An intensely fruity, unoaked red wine that is bursting with flavours of black cherry, blueberry and wild herbs... You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Per Una 3/4 Sleeve Corsage Cardigan, at Mark & Spensers
A sophisticated 3/4 sleeve cardigan in a chunky knitted fabric featuring a stripe design and floral corsage

Per Una Cotton Rich Straight Leg Jeans, at Marks and Spencer
A fashionable pair of straight leg jeans in stretch cotton. Matt button feature gives it the Per Una touch

Circle Shell Drop Earrings, at Mark's & Spencer
Hook fastening Drop style Circle shell design Contrast open circle feature

Autograph Weekend 3/4 Sleeve Pintuck Bib Top, at Marks and Spencers
Stylish and sophisticated, this 3/4 sleeve top is cut to flatter and features pintuck bib design for a modern look

Autograph Peeptoe Bow Platform Shoe, at Marks & Spencers
Peeptoe Bow detail Satin finish High heel Heel height: 4 inches Made with Insolia technology, an exclusive innovation that makes high heels more comfortable to wear and better for your body's alignment and balance. They work by taking the weight off your toes, so there's less pressure and more stability. Your legs, back and feet stay more comfy all day

Single Breasted 1 Button Angled Pleat Jacket, at Marks & Spenser
Chic and stylish, this jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Bootleg Cotton Rich Jeans, at M+S
Flattering and fabulous, bootcuts make legs look longer and are kind to curves. This pair sits on the waist and is designed to give a shapely feminine silhouette. Added stretch gives the perfect fit

Bear Hat & Mittens Set, at Mark & Spencers
Keep little heads and hands warm with this bear design hat and mittens set in soft comfy fabric.

Pure Cotton 3/4 Sleeve Crochet Detail Kaftan, at Mark's & Spencer
Fresh and feminine, this kaftan is outstanding value. Style and quality at a great price

Ruby Cot Bed & Pocket Sprung Mattress Set, at Marks and Spencer
Cot Bed: H100 x L147 x W82cm Cot under bed drawer: H12.5 x W132 x D65.5cm Cot converts into a junior bed suitable for children up to age 5 Cot has fixed sides with 3 optional height positions for the base Mattress: Spring count 264 - L140 x W70 x D15cm Mattress has hygienic, moisture-resistant covering and fully conforms to current safety standards Dual sided mattress cover features a waterproof surface on one side and a comforting cotton blend on the other Made from solid wood Free eco-friendly delivery to your home. Our crews will unpack, assemble and position the item Why use veneers? Unlike solid timber, veneer does not twist/warp/split to the same degree. Only the finest logs are used in veneer production. It is environmentally sound and traditional - much of the finest cabinetry in the world is veneered Care & Cleaning - Wipe with a soft clean cloth and use a mild furniture cleaner or polish occasionally. Be sure to follow the manufacturers instructions, and be aware that polishes can add sheen This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Single Pleat Trousers with Wool, at Marks & Spencers
Cut from a wool blend fabric with elastane lycra for durability, good crease recovery and comfort, these smart trousers provide the utmost in everyday convenience thanks to a machine washable design

Medium Jungle Monkey, at Marks & Spenser
Suitable for ages 0-3yrs H23cm This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Dotty Daisy 18th Card, at M & S
Cover text: Congratulations! 18 Inside message: Happy Birthday! 230 x 114 mm

Feather & Bow Occasion Hat, at M+S
Sophisticated and glamorous, this bow and feather trimmed hat is perfect for stylish summer events To receive your FREE hat box, simply click on the hat box below and add it to your basket

Chrome Stick Table Lamp, at Marks & Spencer
Circular shade Chrome stand Thick neck Round base Bulb Compatability: Bulb: 40W E14 BC or 80W CFL Can be used with energy saving bulb H36 x Diam 14cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Freshfeet Check Design Slippers, at Marks & Spenser
Round toe Check design Tartan style lining pattern Chunky sole Slip-on With built in Freshtech™ technology for fresh, odour-free slippers Freshtech™ technology combats the bacteria that causes bad smells and odours Freshtech™ technology is permanently built in to the slipper and still performs after many washes

Older Girls' Star Print Ruck Sack, at Marks and Spencer
Fashionable and practical, this ruck sack features a stunning star print design. It's easy to carry and there's lots of room for all the essentials

Gloss Salt or Pepper Mill, at Marks n Spencer
A restaurant style pepper mill in lacquered wood

Autograph Essentials Rose Embroidered Non-Padded Balcony Bra, at Marks & Spencer
Glamorous and sophisticated, this elegant bra is made from soft fabric trimmed with fine lace. The flattering balcony style gives maximum uplift and a fuller shape. Beautiful exclusive lingerie

Younger Boys' Holiday Cloggs, at MarksandSpencer
Round toe Flat sole Adjustable strap Holiday motifs

Non-Wired Embroidered Floral Stripe Bra, at Mark's & Spencer
Soft and comfortable, this embroidered detail bra is structured for secure support and an enhanced natural shape. Ideal for everyday wear

Older Boys' Triple Riptape Strap Trainers, at Marks & Spencer
Round toe Stitch detail Triple straps with riptape fastening Grip sole

Marks & Spencer Money Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Buildings Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, Marks & Spencer Money Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.